Call reports 2017
COMMUNITY SPIRIT BANK — 2017
What COMMUNITY SPIRIT BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 143,583,000 | 141,271,000 | 142,167,000 | 143,930,000 |
| Total loans | 93,097,000 | 94,436,000 | 96,971,000 | 97,042,000 |
| Allowance for loan losses | 982,000 | 1,001,000 | 1,002,000 | 1,031,000 |
| Securities available for sale | 26,816,000 | 27,230,000 | 24,912,000 | 25,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,870,000 | 123,204,000 | 122,457,000 | 124,637,000 |
| Interest-bearing deposits | 102,384,000 | 99,310,000 | 98,002,000 | 100,641,000 |
| Noninterest-bearing deposits | 23,486,000 | 23,894,000 | 24,455,000 | 23,996,000 |
| Equity capital | 14,865,000 | 15,183,000 | 15,274,000 | 15,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,523,000 | 3,075,000 | 4,664,000 | 6,269,000 |
| Interest expense | 147,000 | 298,000 | 456,000 | 619,000 |
| Net interest income | 1,376,000 | 2,777,000 | 4,208,000 | 5,650,000 |
| Noninterest income | 257,000 | 539,000 | 813,000 | 1,114,000 |
| Noninterest expense | 1,253,000 | 2,467,000 | 3,667,000 | 4,811,000 |
| Provision for loan losses | 30,000 | 66,000 | 102,000 | 164,000 |
| Pretax income | 387,000 | 818,000 | 1,287,000 | 1,831,000 |
| Income tax | 109,000 | 224,000 | 361,000 | 684,000 |
| Net income | 278,000 | 594,000 | 926,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,022,000 | 15,125,000 | 15,243,000 | 15,250,000 |
| Total capital | 16,004,000 | 16,126,000 | 16,245,000 | 16,281,000 |
| Risk-weighted assets | 94,825,000 | 96,859,000 | 95,253,000 | 94,481,000 |